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DETERMINAN SUKU BUNGA DASAR KREDIT (SBDK) SEKTOR KORPORASI PADA BANK BUKU 4 Budi Santosa; Erny Tajib; Jihad Ihsan Ramadan
Media Ekonomi Vol. 30 No. 2 (2022): Oktober
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/me.v30i2.15072

This study aims to determine the factors that determine the Prime lending Rate (SBDK) in the Corporate Sector at Bank BUKU 4. In this study, the researchers used these variables from seven Book 4 banks for the 2015-2019 Period in the case of the corporate sector prime lending rate. Therefore, this research data is panel data obtained from the Indonesian Banking Statistics (SPI) published by BI. Data processing is carried out using the Econometric Model of Panel Data Regression Analysis and Eviews 9.0 as processing instruments. Based on the results of data processing, it was found that the model used was Fixed Effect with the ability of independent variables (liquidity, capitalization, lending out ratio, credit risk, and efficiency) to be able to explain the dependent variable prime lending rate (SBDK) of 56.05%. However, the regression coefficient shows that only NPL and BOPO have a significant effect on the SBDK. In other words, only the level of bad loans and banking efficiency have a significant effect on the prime lending rate.

PENGARUH PRODUK, CITRA MEREK, PERIKLANAN, HARGA, DAN KUALITAS PELAYANAN TERHADAP KEPUTUSAN PEMBELIAN POLIS ASURANSI KESEHATAN Dendy Ovary Sudiar; Syafri Mandai; Nurhayati; Budi Santosa
Jurnal Ekonomi Trisakti Vol. 3 No. 1 (2023): April
Publisher : Lembaga Penerbit Fakultas EKonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/jet.v3i1.15410

Tujuan yang ingin dicapai di dalam penelitian ini adalah untuk mengetahui pengaruh citra merek periklanan harga dan kualitas pelayanan terhadap keputusan pembelian polis asuransi kesehatan yang dilakukan oleh konsumen, untuk sampel untuk penelitian ini adalah 151 responden, sampel penelitianya dari kalangan masyarakat umum dan metode yang digunakan adalah SmartPLS, Hasil peneliatian menunjukan bahwa adanya pengaruh variable citra merek, produk iklan, dan kualitas pelayanan terhadap keputusan pembelian polis asuransi kesehatan, metode penelitian yang digunakan menjelaskan hubungan antara variable dengan menganlisis, menguji hipotesa yang diketahui, dan menjelaskan hubungan antara variable bebas yaitu produk, citra merek, periklanan, harga, kualitas pelayanan dan keputusan pembelian Penelitian ini menunjukan bahwa adanya pengaruh yang signifikan terhadap variable citra merek,kualitas pelayanan dan iklan terhadap keputusan pembelian, dan untuk variable harga tidak berepengaruh terhadap keputusan pembelian

DETERMINAN SUKU BUNGA DASAR KREDIT (SBDK) SEKTOR KORPORASI PADA BANK BUKU 4 Budi Santosa; Erny Tajib; Jihad Ihsan Ramadan
Media Ekonomi Vol. 30 No. 2 (2022): Oktober
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/me.v30i2.15072

This study aims to determine the factors that determine the Prime lending Rate (SBDK) in the Corporate Sector at Bank BUKU 4. In this study, the researchers used these variables from seven Book 4 banks for the 2015-2019 Period in the case of the corporate sector prime lending rate. Therefore, this research data is panel data obtained from the Indonesian Banking Statistics (SPI) published by BI. Data processing is carried out using the Econometric Model of Panel Data Regression Analysis and Eviews 9.0 as processing instruments. Based on the results of data processing, it was found that the model used was Fixed Effect with the ability of independent variables (liquidity, capitalization, lending out ratio, credit risk, and efficiency) to be able to explain the dependent variable prime lending rate (SBDK) of 56.05%. However, the regression coefficient shows that only NPL and BOPO have a significant effect on the SBDK. In other words, only the level of bad loans and banking efficiency have a significant effect on the prime lending rate.

Efficiency Analysis of Bank Buku 4 (Bank with Core Capital at Least Rp30 Trillion) Before and During The Covid-19 Pandemic: Efficiency Analysis of Bank Buku 4 (Bank with Core Capital at Least Rp30 Trillion) Before and During The Covid-19 Pandemic Budi Santosa; Nurhayati; Nur Hidayatullah
PENANOMICS: International Journal of Economics Vol. 2 No. 3 (2023): December
Publisher : Yayasan Pusat Cendekiawan Intelektual Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56107/penanomics.v2i3.149

The purpose of the study is to analyze Bank BUKU 4 Financial performance the COVID-19 Pandemic, until the years of the pandemic. The research based on secondary data, sourced from annual and finansial reports of banks in Bank BUKU 4 category along with source from www.ojk.com. Every banking companies in Indonesia are the population for this reseach. While the sample of this research are ten (10) banks that categorized as Bank BUKU 4 from 2018 until 2010 with purposive sampling technique. Data Envelopment Analysis (DEA) on non-parametric term testing used the intermediation approach become efficiency measurement method in this study. Total Assets, Deposits, Total Savings, and Operating Costs are the input variables. While the output variables contained in this study are Credit, Interest Income, and Net Income. There are two results based on this study; First, most of banks that included as Bank BUKU 4 measured to have high efficiency, although Bank Permata and CIMB have reached the level moderate in efficiency in some years. Second, the banks’ efficiency in Bank BUKU 4 category has No. difference on the study period

Analysis of the Impact of Community Institutional Strengthening on the Sustainability of the "Spirit of Independence" Farmer Group and the "Industrial Circle" Livestock Group in Uso Village, Banggai Regency Zulkipli N Salingkat; Budi Santosa
Asian Journal of Social and Humanities Vol. 2 No. 4 (2023): Asian Journal of Social and Humanities
Publisher : Pelopor Publikasi Akademika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/ajosh.v2i4.220

The purpose of this research was to analyse the impact of strengthening community institutions on the sustainability of farmer and livestock groups. This included the process of establishing and strengthening community institutions, how the company's strategy in developing governance systems, decision-making mechanisms, system evaluation including community institutional benefits, contributions to SDGs 16 and their relation to ISO 26000. The method of this research used quantitative methods sourced from primary data and secondary data to determine the impact of strengthening community institutions on the sustainability of the Semangat Mandiri farmer group and the Lingkar Industri livestock group located in Uso village, Batui sub-district, Banggai regency, Central Sulawesi province. Data analysis was carried out using triangulation to validate data linkages from field research. Furthermore, an in-depth study of the relationship between the subject and object under study was carried out to explain the formulation of the problem and the purpose of the study and draw conclusions from the research results. The results showed that PT. PAU has a complete commitment in implementing CSR programs. This commitment could be seen from the implementation of community institutional strengthening, aspects of governance systems, decision-making mechanisms, and evaluation of governance systems in achieving ISO 26000 and SDGs 16 in farmer and livestock groups in Uso village, Banggai Regency which have a good impact on the community and the company.

PENGARUH PRODUK, CITRA MEREK, PERIKLANAN, HARGA, DAN KUALITAS PELAYANAN TERHADAP KEPUTUSAN PEMBELIAN POLIS ASURANSI KESEHATAN Dendy Ovary Sudiar; Syafri Mandai; Nurhayati; Budi Santosa
Jurnal Ekonomi Trisakti Vol. 3 No. 1 (2023): April
Publisher : Lembaga Penerbit Fakultas EKonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/jet.v3i1.15410

Tujuan yang ingin dicapai di dalam penelitian ini adalah untuk mengetahui pengaruh citra merek periklanan harga dan kualitas pelayanan terhadap keputusan pembelian polis asuransi kesehatan yang dilakukan oleh konsumen, untuk sampel untuk penelitian ini adalah 151 responden, sampel penelitianya dari kalangan masyarakat umum dan metode yang digunakan adalah SmartPLS, Hasil peneliatian menunjukan bahwa adanya pengaruh variable citra merek, produk iklan, dan kualitas pelayanan terhadap keputusan pembelian polis asuransi kesehatan, metode penelitian yang digunakan menjelaskan hubungan antara variable dengan menganlisis, menguji hipotesa yang diketahui, dan menjelaskan hubungan antara variable bebas yaitu produk, citra merek, periklanan, harga, kualitas pelayanan dan keputusan pembelian Penelitian ini menunjukan bahwa adanya pengaruh yang signifikan terhadap variable citra merek,kualitas pelayanan dan iklan terhadap keputusan pembelian, dan untuk variable harga tidak berepengaruh terhadap keputusan pembelian

Analysis of the Impact of Community Institutional Strengthening on the Sustainability of the "Spirit of Independence" Farmer Group and the "Industrial Circle" Livestock Group in Uso Village, Banggai Regency Zulkipli N Salingkat; Budi Santosa
Asian Journal of Social and Humanities Vol. 2 No. 4 (2023): Asian Journal of Social and Humanities
Publisher : Pelopor Publikasi Akademika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59888/ajosh.v2i4.220

The purpose of this research was to analyse the impact of strengthening community institutions on the sustainability of farmer and livestock groups. This included the process of establishing and strengthening community institutions, how the company's strategy in developing governance systems, decision-making mechanisms, system evaluation including community institutional benefits, contributions to SDGs 16 and their relation to ISO 26000. The method of this research used quantitative methods sourced from primary data and secondary data to determine the impact of strengthening community institutions on the sustainability of the Semangat Mandiri farmer group and the Lingkar Industri livestock group located in Uso village, Batui sub-district, Banggai regency, Central Sulawesi province. Data analysis was carried out using triangulation to validate data linkages from field research. Furthermore, an in-depth study of the relationship between the subject and object under study was carried out to explain the formulation of the problem and the purpose of the study and draw conclusions from the research results. The results showed that PT. PAU has a complete commitment in implementing CSR programs. This commitment could be seen from the implementation of community institutional strengthening, aspects of governance systems, decision-making mechanisms, and evaluation of governance systems in achieving ISO 26000 and SDGs 16 in farmer and livestock groups in Uso village, Banggai Regency which have a good impact on the community and the company.

Comparative Study of Acceptance Between Local Communities and Transmigrants on The Existence of PT XYZ in Tenggarong Seberang, Kutai Kartanegara Giwa Giwangkara; Budi Santosa
Journal of Social Research Vol. 3 No. 2 (2024): Journal of Social Research
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar

Social License to Operate (SLO) or is a measure that describes the quality of relationships between stakeholders, especially the community and the company. This SLO is the final result or resultant of a series of previous activities including: issue identification, stakeholder identification, stakeholder mapping, stakeholder involvement and implementation of Community Development and Empowerment or PPM programs. This research aims to: 1) what is the pattern of stakeholder engagement carried out by the company, 2) what is the pattern of implementation of the PPM program carried out by the company, 3) what is the comparison of SLO values between local communities and immigrants/transmigrants, 4) what strategy should the company carry out regarding stakeholders engagement refers to the SLO value and 5) how the company contributes to achieving the SDGs. The research location was in four PT XYZ ring 1 villages in Tenggarong Seberang District, Kutai Kartanegara Regency, namely Embalut Village, Separi Village, Bangunrejo Village and Kertabuana Village. The results of the research show that the SLO value of local residents' villages during the operational period was higher than the SLO value of transmigrant villages, namely 3.77 versus 3.46. Meanwhile, during the mine closure period, the SLO value of local villages wasmuch lower than that of trans villages, namely 2.63 compared to 3.19. Referring to these results, the researchers recommend that companies carry out better stakeholder mapping and involvement so that community acceptance, especially local communities, of the company becomes better. This is very important so that when the company wants to do new business other than coal after the mine closure process is accepted by the government it can run smoothly without any significant social risks arising.

Analysis of Community Participation Level in the Community Empowerment Program of Gold Mining Company Ni Made Ayu Wina Wirjana Asak; Budi Santosa
Journal of Social Research Vol. 3 No. 9 (2024): Journal of Social Research
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/josr.v3i9.2246

Mining companies play an important role in creating sustainable communities around their operational areas. PT ANTAM Tbk UBP Emas (ANTAM UBP Emas), located in Bantar Karet Village, Nanggung District, Bogor Regency, focuses on the exploration of mineral resources, particularly gold and silver. The surrounding community generally works in the agriculture, plantation, home industry, and fishery sectors. This study aims to analyze: (i) community empowerment program activities run by the company, (ii) the level of community participation in empowerment program planning, (iii) the level of community participation in program implementation, (iv) the level of community participation in the utilization of program results, and (v) the level of community participation in empowerment program evaluation. The research design used is qualitative research with descriptive analysis method. The results showed that the level of community participation in the empowerment program which includes the stages of planning, implementation, utilization of results, and evaluation still needs to be improved. ANTAM UBP Emas needs to evaluate mentoring methods, implement training programs, and capacity building for group members as an effort to accelerate the increase in participation to achieve the level of Citizen Power participation, so that this program can become a means of corporate exit strategy in accordance with the needs and context of the community.

The Influence of Transformational Leadership, Digital Technology and Knowledge Sharing on Corporate Sustainability Performance Mediated by Organizational Innovation Performance Wanda Rahma; Dita Oki Berliyanti; Eleonora Sofilda; Budi Santosa
Journal of Economics and Business UBS Vol. 15 No. 1 (2026): Journal of Economics and Business UBS
Publisher : Cv. Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52644/9yw4yy28

This study aims to examine the relationship between Transformational Leadership, Digital Technology, and Knowledge Sharing on Corporate Sustainability Performance mediated by Organizational Innovation Performance. The research data was taken from two energy companies, namely PT Adaro Energy Indonesia Tbk (Adaro) and PT Medco Energi Internasional Tbk (Medco). Sampling used Google Form in distributing the questionnaire. This study uses a quantitative approach through sampling with Purposive Sampling, the data analysis method used Structural Equation Model (SEM) using SmartPLS. The results of this study indicate that Transformational Leadership has proven to have no positive effect on Corporate Sustainability Performance. Digital Technology has proven to have a positive effect on Corporate Sustainability Performance. Knowledge Sharing has not proven to have a positive effect on Corporate Sustainability Performance. Transformational Leadership has proven to have a positive effect on Organizational Innovation Performance. Digital Technology has proven to have no positive effect on Organizational Innovation Performance. Knowledge Sharing has proven to have a positive effect on Organizational Innovation Performance. Organizational Innovation Performance has proven to have a positive effect on Corporate Sustainability Performance. Organizational Innovation Performance has been shown to mediate the effect of Transformational Leadership on Corporate Sustainability Performance. Organizational Innovation Performance has not been shown to mediate the effect of Digital Technology on Corporate Sustainability Performance. Organizational Innovation Performance has been shown to mediate the effect of Knowledge Sharing on Corporate Sustainability Performance. The implication of Management should strengthen transformational leadership, strategically integrate digital technology, create effective knowledge-sharing systems, and promote sustainable innovation through incentives and regular performance measurement.

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